| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -2.8% | +0.9% | -3.7 pts |
| Loan growth (YoY) | +6.9% | -2.6% | +9.5 pts |
| ROA | 1.13% | 0.65% | +0.5 pts |
| ROE | 8.2% | 4.4% | +3.8 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.5M | $45.0M | $24.4M | $7.2M | $296K | 1.13% | 3.97% | 1.86% | 3,528 |
| Q1 2026 | $53.5M | $46.0M | $22.7M | $7.1M | $169K | 1.27% | 3.92% | 1.33% | 3,530 |
| Q4 2025 | $52.8M | $45.6M | $23.2M | $7.0M | $400K | 0.76% | 4.13% | 1.33% | 3,538 |
| Q3 2025 | $53.2M | $46.0M | $23.5M | $6.9M | $324K | 0.81% | 4.07% | 1.68% | 3,619 |
| Q2 2025 | $53.4M | $46.3M | $22.8M | $6.7M | $196K | 0.73% | 4.04% | 1.47% | 3,638 |
| Q1 2025 | $51.2M | $43.9M | $23.5M | $6.7M | $165K | 1.29% | 4.22% | 1.36% | 3,630 |
| Q4 2024 | $49.0M | $42.2M | $23.6M | $6.6M | $626K | 1.28% | 4.37% | 0.88% | 3,613 |
| Q3 2024 | $48.8M | $42.0M | $24.0M | $6.5M | $562K | 1.54% | 4.31% | 0.86% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.65% | 73rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 4.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,612 |
| Q2 2024 | $50.0M | $43.3M | $23.1M | $6.3M | $380K | 1.52% | 4.13% | 1.01% | 3,598 |
Loan mix (Q2 2026): real estate $2.5M · commercial $0 · consumer $20.2M · securities $22.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.3% | 80.6% | 42nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Ouachita, LA, ranked 19th with 0.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Ouachita, LA | 2 | $45.0M* | 0.83% | 19th |
Louisiana: 168th with 0.03% · Monroe metro: 24th, 0.62% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2